binodkafle | Stripe Developers | Page 1

neon pathBOT Sep 19, 2023, 8:05 AM

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magic summit Sep 19, 2023, 8:05 AM

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Can you share an example?

queen ivy Sep 19, 2023, 8:06 AM

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You mean failing payment intent id?

magic summit Sep 19, 2023, 8:07 AM

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Yes

queen ivy Sep 19, 2023, 8:07 AM

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pi_3NpjrCD5KYFi3zJG1CmspwS5

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pi_3NoJkeD5KYFi3zJG0R4z9jlF

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pi_3NoJduD5KYFi3zJG1n0VcHVI

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pi_3NWtgnD5KYFi3zJG07LsbVoE

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pi_3NpjrCD5KYFi3zJG1CmspwS5

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pi_3NWtfDD5KYFi3zJG10JiGoQL

magic summit Sep 19, 2023, 8:13 AM

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Looking at just the one example

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I looked at pi_3NpjrCD5KYFi3zJG1CmspwS5 and it seems the bank just declined the payment. Nothing seems off with your integration

queen ivy Sep 19, 2023, 8:25 AM

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Just asking, isn't it unusual for the bank to decline these payments if nothing seems off with the integration. For eg. billing_details of the payment is always null. Is it possible that setting the correct information for name will improve the payment success rate?

magic summit Sep 19, 2023, 8:27 AM

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isn't it unusual for the bank to decline these payments if nothing seems off with the integration
Not particularly no. Banks can, and do, decline payments for any number of reasons. In most cases the customer can resolve the issue by speaking to the bank

Is it possible that setting the correct information for name will improve the payment success rate?
Specifically what information? We only send specific information with the payment across the networks in cases where we think it'll imporve auth rates

queen ivy Sep 19, 2023, 8:30 AM

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Specifically what information?
I mean billing_details in the payment methods and charges section

"billing_details": {
    "address": {
      "city": null,
      "country": "JP",
      "line1": null,
      "line2": null,
      "postal_code": null,
      "state": null
    },
    "email": null,
    "name": null,
    "phone": null

magic summit Sep 19, 2023, 8:31 AM

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See: https://stripe.com/docs/disputes/prevention/verification#avs-check

Card verification checks

Learn how to make use of card verification checks to protect against disputes and fraud.

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But in the example payment I looked at the bank didn't do an AVS check so likely not the cause of the decline

queen ivy Sep 19, 2023, 8:42 AM

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My payment intents are off-session and in the documentation its written that the bank is more likely to reject the off-session payment and require authentication from the cardholder.
https://stripe.com/docs/payments/payment-intents#future-usage

Could it be the cause?

The Payment Intents API

Learn how to use the Payment Intents API for Stripe payments.

magic summit Sep 19, 2023, 8:54 AM

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Hmm, that's not really the case here as no authentication was requested. They're just straight up declines

#binodkafle